ULIP Returns in 25 Years

A 25-year ULIP (Unit Linked Insurance Plan) emerges as an attractive investment option, offering a unique blend of life insurance protection and the potential for substantial market-linked returns.

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Top ULIP Funds
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
1,539 Cr
Returns
25.81%
Returns
27.49%
Highest Returns
Returns
21.65%
Get Details
2,597 Cr
Returns
24.47%
Highest Returns
Returns
23.35%
Returns
19.37%
Get Details
2,120 Cr
Returns
21.79%
Highest Returns
Returns
19.59%
Returns
18.46%
Get Details
931 Cr
Returns
17.41%
Returns
18.75%
Highest Returns
Returns
18.22%
Get Details
6,032 Cr
Returns
18.6%
Highest Returns
Returns
17.6%
Returns
17.82%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
11,524 Cr
Returns
23.12%
Returns
23.47%
Highest Returns
Returns
22.51%
Get Details
1,278 Cr
Returns
30.3%
Highest Returns
Returns
23.72%
Returns
21.48%
Get Details
3,999 Cr
Returns
25.01%
Highest Returns
Returns
21.37%
Returns
21.09%
Get Details
5,754 Cr
Returns
23.44%
Highest Returns
Returns
19.51%
Returns
20.39%
Get Details
4,690 Cr
Returns
28.29%
Highest Returns
Returns
26.79%
Returns
20.21%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
226 Cr
Returns
13.03%
Returns
14.84%
Highest Returns
Returns
13.4%
Get Details
328 Cr
Returns
11.53%
Returns
12.59%
Highest Returns
Returns
12.55%
Get Details
528 Cr
Returns
9.39%
Returns
11.13%
Returns
11.54%
Highest Returns
Get Details
796 Cr
Returns
11.86%
Returns
12.37%
Highest Returns
Returns
11.54%
Get Details
22 Cr
Returns
11.68%
Returns
12.17%
Highest Returns
Returns
11.37%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
478 Cr
Returns
18.54%
Highest Returns
Returns
17.53%
Returns
16.83%
Get Details
247 Cr
Returns
6.69%
Returns
8.41%
Returns
9.45%
Highest Returns
Get Details
776 Cr
Returns
5.24%
Returns
7.37%
Returns
8.4%
Highest Returns
Get Details
294 Cr
Returns
5.66%
Returns
7.27%
Returns
8.28%
Highest Returns
Get Details
446 Cr
Returns
5.24%
Returns
7.77%
Returns
8.21%
Highest Returns
Get Details

Top ULIP Funds

ULIP Plans Fund Size  NAV Returns
TATA AIA Top 200 Fund 1,259 Cr ₹130.92 20.25%
TATA AIA Whole Life Mid Cap Equity Fund 10,158 Cr ₹112.98 21.46%
ICICI Pru Multi Cap Balanced Fund 2,037 Cr ₹34.46 10.59%
HDFC Life Opportunities Fund 31,393 Cr ₹57.85 18.59%

What is the 25 Years ULIP Policy?

The 25 Years ULIP Policy is a financial product offered by insurance companies to address the dual needs of insurance and investment over a quarter-century (25 years). Under this policy, policyholders make regular premium payments, with the premium being divided into two key components. 

The policyholder pays regular premiums, which are split into two parts: one part goes towards providing life insurance coverage, and the other part is invested in market-linked funds of the policyholder's choice.

This policy is particularly well-suited for individuals with extended financial horizons, as it provides a comprehensive solution for both protection and wealth creation over a 25-year period. With the flexibility to adjust fund allocations and the potential for long-term growth, the 25 Years ULIP Policy serves as a holistic approach to financial planning. 

How Does 25 Years ULIP Policy Work?

Vidur, a 35-year-old, invested in a 25-year ULIP with a Rs. 1 crore sum assured for retirement. He added a Waiver of Premium rider. At 48, a fatal accident occurred, and Vidur’s wife received the sum assured, settling debts. The unique feature of waiving future premiums kept the policy active. After 25 years, she received the maturity amount, ensuring financial independence. This showcases how a straightforward ULIP plan can offer both protection and long-term investment benefits.

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Why Should You Choose a 25-Year ULIP Policy?

Here's why you should opt for 25 year ULIP Policy:

  • Market-Linked Returns: Enjoy the potential for higher returns through dynamic debt and equity investments, outperforming traditional savings plans.

  • Flexibility: Adapt to market conditions with the flexibility to choose and switch investment avenues. Partial withdrawals are available during financial emergencies.

  • Tax Benefits: Classified under the EEE category, ULIPs offer tax exemptions and deductions under Sections 80C and 10(10D). Premiums qualify for deductions, and proceeds are tax-exempt, making it a tax-efficient investment.

  • Life Coverage: Ensure financial security for your loved ones with life coverage, providing stability in challenging times.

  • Long-Term Investment: Capitalize on the benefits of long-term investment by staying committed for 25 years. This duration allows strategic planning and potential compounding returns.

How are Return Rates Calculated on 25 Years ULIP Policy?

The performance of a 25-year ULIP policy is influenced by several factors, such as the policyholder's age, chosen sum assured, premium amount, and selected investment funds. The premium is allocated between life cover and investments, and returns are based on the market-linked funds' performance. This policy functions as a means for accumulating wealth over the long term while providing life coverage. Prior to selecting a plan, it is essential to evaluate risk tolerance and financial goals. Regularly reviewing policy terms is advisable, and exploring the option of enhancing coverage with riders can provide additional protection.

FAQ's

  • What is the average return on ULIP?

    The average return on ULIP can vary depending on the specific plan and the market conditions. However, historically, ULIPs have provided average returns of around 10-12% per annum.
  • Is ULIP good for the long term?

    Yes, ULIPs can be a good investment option for long-term investors. This is because they offer the potential for market-linked returns, which can grow significantly over time. Additionally, ULIPs typically have a lock-in period of five years, which encourages investors to stay invested for the long term.
  • Is ULIP guaranteed returns?

    No, ULIPs are not guaranteed returns. This is because they are market-linked investments, and as such, their returns are subject to market fluctuations. However, some ULIPs offer minimum guaranteed returns, which provide a safety net for investors.
  • Can ULIPs give higher returns?

    Yes, ULIPs can potentially give higher returns than traditional insurance plans. This is because they are invested in market-linked funds, which have the potential for higher returns than fixed-income investments. However, it is important to note that higher returns come with higher risk.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^Tax benefit are for Investments made up to Rs.2.5 L/ yr.
+Returns Since Inception of LIC Growth Fund
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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